--- title: "Two Critical Automobile Coverages: Under and Uninsured Motorist Coverages" description: I consistently have cases where I represent people seriously injured in automobile accidents. Serious cases with major injuries deserve more attention than what personal injury firms give the injured parties. --- [Dan's Desk](https://www.gallatin-law.com/blog/author/dan-gallatin) - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer) - [hugo](https://www.gallatin-law.com/blog/tag/hugo) - [MN](https://www.gallatin-law.com/blog/tag/mn) - [law](https://www.gallatin-law.com/blog/tag/law) - [attorney](https://www.gallatin-law.com/blog/tag/attorney) - [legal](https://www.gallatin-law.com/blog/tag/legal) [Subscribe](https://www.gallatin-law.com/blog/two-critical-automobile-coverages-under-and-uninsured-motorist-coverages#) 01/31/2018 # Two Critical Automobile Coverages: Under and Uninsured Motorist Coverages - - - - - [mailto:?subject=Two%20Critical%20Automobile%20Coverages%3A%20Under%20and%20Uninsured%20Motorist%20Coverages&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Ftwo-critical-automobile-coverages-under-and-uninsured-motorist-coverages](mailto:?subject=Two%20Critical%20Automobile%20Coverages%3A%20Under%20and%20Uninsured%20Motorist%20Coverages&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Ftwo-critical-automobile-coverages-under-and-uninsured-motorist-coverages) I consistently have cases where I represent people seriously injured in automobile accidents. Serious cases with major injuries deserve more attention than what personal injury firms give the injured parties. By keeping my personal injury caseload very tailored and minimal I can better devote personal attention to the case. One commonality I see among many of my personal injury cases is an inadequate limit on the injured party's underinsured and uninsured motorist coverages. These are coverages you have through your own policy to protect you against others who cause you injuries. If the at-fault driver does not carry enough (or any) liability coverage, you have the ability to get compensation from your own insurer through your underinsured or uninsured motorist coverages. Your first call on this, a call you need to make before you have an accident, is to your insurance agent. Find out what you have for coverage, assess what amount you really feel you would need if something catastrophic were to happen to you and adjust your limits accordingly. Hopefully, you will never need these coverages, but if you do you will be happy you increased your limits. The material contained herein is provided for informational purposes only and is not legal advice, nor is it a substitute for obtaining legal advice from an attorney. Each situation is unique, and you should not act or rely on any information contained herein without seeking the advice of an experienced attorney. All information contained in links are the property of the linked site. - [accident](https://www.gallatin-law.com/blog/tag/accident), - [at fault](https://www.gallatin-law.com/blog/tag/at-fault), - [attorney](https://www.gallatin-law.com/blog/tag/attorney), - [hugo](https://www.gallatin-law.com/blog/tag/hugo), - [injury](https://www.gallatin-law.com/blog/tag/injury), - [insurance](https://www.gallatin-law.com/blog/tag/insurance), - [law](https://www.gallatin-law.com/blog/tag/law), - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer), - [legal](https://www.gallatin-law.com/blog/tag/legal), - [minnesota](https://www.gallatin-law.com/blog/tag/minnesota), - [MN](https://www.gallatin-law.com/blog/tag/mn), - [under insured](https://www.gallatin-law.com/blog/tag/under-insured), - [uninsured](https://www.gallatin-law.com/blog/tag/uninsured) ![Dan Gallatin](https://www.gallatin-law.com/hubfs/assets-mjfw/site%20images/Dans-Desk.jpg) ## [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin) Dan is a lifelong resident of Minnesota. Born in St. Paul, Dan spent many of his formative years growing up there before moving to White Bear Lake. After graduating from White Bear Lake, Dan spent four glorious years at the University of Wisconsin-Madison, earning a degree in two majors. Dan worked as a Senior Investigator at the Minnesota Department of Commerce for several years after graduating from college. During his final years Dan attended William Mitchell College of Law while still working full-time. During this exhausting 3 ½ year period Dan honed his skills in becoming an efficient, to-the-point legal practitioner. While at Madison Dan met his wife, Tonya, and together they moved to Minnesota to plant their roots. Dan and Tonya have two amazing, unique children and reside in Hugo. ### CONNECT WITH ME - ## Related Posts [11/13/2019 Stacking PIP Coverage on Your Automobiles I do personal injury litigation. I don't advertise that, but for good people with good cases or on referrals from good colleagues, I will take the… Read Post ](https://www.gallatin-law.com/blog/stacking-pip-coverage-on-your-automobiles) [12/07/2016 Out of State Insurer + Minnesota Accident = Coverage Minnesota's No-Fault automobile insurance law can be very confusing. In a nutshell, if you are injured in an automobile accident, your automobile… Read Post ](https://www.gallatin-law.com/blog/out-of-state-insurer-minnesota-accident-coverage) ### Subscribe Here! ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dan Gallatin", "url" : "https://www.gallatin-law.com/blog/author/dan-gallatin" }, "dateModified" : "2020-08-21T22:10:20.277Z", "datePublished" : "2018-01-31T06:00:00.000Z", "headline" : "Two Critical Automobile Coverages: Under and Uninsured Motorist Coverages", "mainEntityOfPage" : { "@id" : "https://www.gallatin-law.com/blog/two-critical-automobile-coverages-under-and-uninsured-motorist-coverages", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gallatin-law.com/hubfs/logos/Gallatin-Logo-654x84.png" }, "name" : "Gallatin Law, PLLC" } } ```